To link to the entire object, paste this link in email, IM or documentTo embed the entire object, paste this HTML in websiteTo link to this page, paste this link in email, IM or documentTo embed this page, paste this HTML in website

INTERIM STUDY REPORT
Insurance Committee
Rep. Charles Key, Chairperson
Oklahoma House of Representatives
Interim Study 11-046, Rep. Charles Key and Joe Dorman
October 13, 2011
John Doak, Commissioner
Oklahoma Insurance Department
• Oklahomans need to understand there is a direct link between ISO’s rating and homeowner
insurance premiums.
• Average class rating of Oklahoma communities is a 7. (with 1 being the best and 10 being the
worst).
• Over 1200 rural fire departments in Oklahoma.
• 98% percent of insurance carriers use ISO ratings to help calculate insurance rates.
• According to an actuarial analysis, there is an approximately 10% drop in insurance rates per
ISO rating number drop.
• Average age Oklahoma firefighter is rising. Oklahoma needs a plan to address this.
• Need a system where the citizen consumer can enter in their address and determine which
firefighter will respond to a potential fire.
• Need to determine fixed equipment cost.
• Also need to address radio issues so that departments can effectively communicate with each
other.
David Richardson, Administration Major
Midwest City Fire Department
drichardson@midwestcityok.org
• Previously employed with ISO (Insurance Services Offices).
• Provided history of ISO creation as a private company.
• Fire Rating Schedule is a list of formulas and standards that provides a means of measuring
how a community can defend or protect that community against structural fires. It is not a
communications issue; it’s not a fire department issue, it’s not a water department issue, it is a
community issue.
• Three components to classification: fire department (50%), water department (40%), and
communication (10%). In order to lower an ISO grade a community needs planning from the
city managers, the fire chief, and the 911 center.
• Oklahoma has the largest ratio of class 10 communities than any other state. Some departments
are not unrecognized by ISO, which defaults the community to a class 10.
• How do you improve an ISO grade?
o Staffing- takes a minimum of four people to respond to a structural fire.
o Brush Pumper which can hold 250 gallon water. Anyone within 5 road miles of this can
get a class 9 rating.

INTERIM STUDY REPORT
Insurance Committee
Rep. Charles Key, Chairperson
Oklahoma House of Representatives
Interim Study 11-046, Rep. Charles Key and Joe Dorman
October 13, 2011
John Doak, Commissioner
Oklahoma Insurance Department
• Oklahomans need to understand there is a direct link between ISO’s rating and homeowner
insurance premiums.
• Average class rating of Oklahoma communities is a 7. (with 1 being the best and 10 being the
worst).
• Over 1200 rural fire departments in Oklahoma.
• 98% percent of insurance carriers use ISO ratings to help calculate insurance rates.
• According to an actuarial analysis, there is an approximately 10% drop in insurance rates per
ISO rating number drop.
• Average age Oklahoma firefighter is rising. Oklahoma needs a plan to address this.
• Need a system where the citizen consumer can enter in their address and determine which
firefighter will respond to a potential fire.
• Need to determine fixed equipment cost.
• Also need to address radio issues so that departments can effectively communicate with each
other.
David Richardson, Administration Major
Midwest City Fire Department
drichardson@midwestcityok.org
• Previously employed with ISO (Insurance Services Offices).
• Provided history of ISO creation as a private company.
• Fire Rating Schedule is a list of formulas and standards that provides a means of measuring
how a community can defend or protect that community against structural fires. It is not a
communications issue; it’s not a fire department issue, it’s not a water department issue, it is a
community issue.
• Three components to classification: fire department (50%), water department (40%), and
communication (10%). In order to lower an ISO grade a community needs planning from the
city managers, the fire chief, and the 911 center.
• Oklahoma has the largest ratio of class 10 communities than any other state. Some departments
are not unrecognized by ISO, which defaults the community to a class 10.
• How do you improve an ISO grade?
o Staffing- takes a minimum of four people to respond to a structural fire.
o Brush Pumper which can hold 250 gallon water. Anyone within 5 road miles of this can
get a class 9 rating.